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Build credit with a Kikoff membership.

with 0% interest
with instant approval
no credit pull required

Join the hundreds of thousands already using Kikoff.
Open your account in minutes!
Credit builder
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We’re designed to maximize credit.

Kikoff addresses three key factors that determine 80% of your credit score.

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Boost your payment history.
We report your monthly payments to the major credit bureaus. Each one builds your payment history (and your credit).
Optimize your credit utilization.
The smaller the ratio of your credit usage to your limit, the better. The Credit Account’s utilization rates are extremely low—like 2% low.
Grow your average account age.
The older your accounts, the better. The Credit Account doesn’t expire, so keeping it open will continue to increase your average account age.

Start building credit in seconds

  1. Sign up for the Credit Account.

    Get instantly approved for a $500 line of credit. We don’t do credit checks so this won’t affect your score.
  2. Use your credit.

    Choose from a wide range of products from the Kikoff store. They start at just $10—so you can pick exactly what fits your budget.
  3. Make monthly payments.

    We report every payment you make to the major credit bureaus. Each one helps build your credit.
We’ve got your back.
Credit building on your terms.
You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment - you can pay your balance in full at any time.
Grow payment history, guaranteed.
With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history - and your credit.
Reach your financial goals.
Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.
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Join hundreds of thousands building credit with Kikoff.
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Don’t just take our word for it.

Join hundreds of thousands building their credit with Kikoff.


As reviewed on Nerdwallet
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
Have questions?
  • Kikoff is one of the most responsible and affordable ways to build credit -- all without credit checks or high interest rates.

    Here’s how it works: Kikoff members pay a monthly membership to access our credit building tools. There’s $0 additional fees and $0 interest.

    All members receive a Kikoff Credit Account which gets reported to the major credit bureaus every month. This account is specially designed to help you build credit by having very low credit utilization (5% or lower) and to build long-term payment history.

    Members can qualify for additional credit building tools, such as our Credit Builder Loan.

  • Kikoff memberships are 12-month commitments and are renewed annually. However, you can cancel your membership at any time and simply pay off your remaining balance.
  • With Kikoff, there are no additional fees. With a Kikoff membership, you only pay a membership payment -- 0% interest and $0 in other fees.
  • Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion. We report all customers’ monthly payments to Equifax and Experian.

    Please note that reporting depends upon which Kikoff products you have:

    - Kikoff Credit Account (standard membership) reports to Equifax and Experian.
    - Credit Builder Loan (optional) reports to TransUnion and Equifax.

  • All members receive a Kikoff Credit Account. This is a ‘revolving credit line’ and comes standard with a $500 credit limit.

    A mix of account types is great for your credit. Qualifying members also have the option to open a Credit Builder Loan, an ‘installment loan’ which works in addition to your standard Kikoff Credit Account and helps you build more credit.

Join Kikoff today